Compare Cheap Car Insurance in New Hampshire

Drivers in New Hampshire looking for cheap car insurance may want to consider Safeco, Direct Auto, and Liberty Mutual.

On average, full-coverage car insurance in New Hampshire costs $112 per month, compared to a national average of $193. Your individual premium may differ based on your age, driving history, and where you live. To get the most accurate rate, it's smart to gather quotes from several insurance providers.

In this guide, you'll find the most affordable car insurance options in New Hampshire based on coverage type, insurer, and driver profile.

Affordable full-coverage car insurance in New Hampshire

Full-coverage insurance in New Hampshire typically runs about $112 monthly. That's below the national average of $193. Among the cheapest car insurance providers in the state are Safeco, Direct Auto, and Liberty Mutual.

	Average monthly full coverage cost
New Hampshire average	$112
National average	$193
Safeco	$72
Direct Auto	$111
Liberty Mutual	$114
National General	$130

Affordable liability-only car insurance in New Hampshire

Some of the most affordable liability car insurance providers in New Hampshire include Safeco, Direct Auto, and Liberty Mutual.

Liability-only coverage costs New Hampshire drivers an average of $59 per month. That's slightly below the national monthly average of $102.

	Average monthly liability-only cost
New Hampshire average	$59
National average	$102
Safeco	$56
Direct Auto	$65
Liberty Mutual	$53
National General	$60

Cheap Car Insurance in New Hampshire by age

Age is a key factor in determining car insurance rates. Car insurance for teens is usually the most expensive, with rates in New Hampshire averaging $202 per month due to lack of experience.

Premiums typically decline as drivers enter their 20s, averaging $138 monthly. Rates continue to drop for those in their 30s and 40s, with averages of $94 and $92.

Rates may trend upward again for older adults. On average, New Hampshire drivers in their 60s pay $89, and those in their 70s pay around $96.

These shifts reflect how insurers assess risk at different life stages. Teen drivers are often the riskiest, while older drivers may face rate increases related to health or driving patterns.

Age group	Average monthly full coverage cost	Average monthly liability-only cost
Teens	$202	$106
20s	$138	$73
30s	$94	$50
40s	$92	$49
50s	$82	$43
60s	$89	$47
70s	$96	$50

Cheap Car Insurance in New Hampshire for high-risk drivers

If your driving record includes a DUI, accident, or speeding ticket, you'll likely face higher insurance rates. The table below shows average premiums in New Hampshire for drivers with these types of violations, based on car insurance if you have a bad driving record.

Violation	Average monthly full coverage cost	Average monthly liability-only cost
Accident	$177	$93
Speeding ticket	$213	$112
DUI	$200	$105

Cheap Car Insurance in New Hampshire by credit score

Drivers in New Hampshire with excellent credit pay about $96 per month on average. Those with poor credit can expect to pay more, with premiums starting at $136 monthly.

Insurers use credit scores as one of several risk factors. In general, lower credit scores are associated with higher insurance costs.

Credit score	Average monthly cost of full coverage	Average monthly cost of liability-only
Excellent	$96	$51
Good	$107	$57
Average	$107	$56
Poor	$136	$72

FAQs

Is car insurance mandatory in New Hampshire?

Unlike most states, New Hampshire does not require drivers to carry car insurance. However, if you choose not to purchase insurance, you must demonstrate financial responsibility to cover potential damages or injuries resulting from an accident.

How can I lower my car insurance premiums in New Hampshire?

To reduce your car insurance costs, consider shopping around for quotes, bundling policies, maintaining a clean driving record, and inquiring about available discounts such as those for safe driving or low mileage.

What factors influence car insurance rates in New Hampshire?

Several factors affect car insurance premiums, including your age, driving history, credit score, type of vehicle, and the amount of coverage you select. Younger drivers and those with poor credit or driving records typically face higher rates.

Are there affordable car insurance options for young drivers in New Hampshire?

Yes, young drivers can find affordable car insurance by comparing quotes from multiple providers, taking advantage of good student discounts, and considering usage-based insurance programs that reward safe driving habits.

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Bottom line

Although these may be the cheapest companies in New Hampshire, the best insurer for you depends on your personal situation. Comparing quotes from multiple companies is the best way to find coverage that fits your budget and needs.

Data throughout provided by Insurify.

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